John Naviaux is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing over 15 years of experience providing counsel to senior executives, public and private C-suite leaders, entrepreneurs, and families. He specializes in delivering guidance on wealth preservation, accumulation, and distribution, with a focus on navigating large liquidity transactions, personal and professional transitions, and unplanned life events. John applies a personal and thoughtful approach to address his clients' challenges and uncover emerging opportunities. John holds several professional designations, including Certified Private Wealth Advisor (CPWA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor’s degree from the University of Arizona and an MBA from the University of Southern California’s Marshall School of Business. He participates in the Merrill Next Generation Leadership Council and the USC Marshall School of Business Alumni Group. Beyond his professional commitments, John is involved with the American Heart Association and Miracle Babies. He enjoys activities such as basketball, football, golfing, tennis, reading, traveling, and spending time with his family.

Mona Corbett is a financial advisor at OSAIC with 27 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at firms including Woodbury Financial Services and U.S. Bancorp Advisors. Outside of her advisory work, she is involved in establishing a wellness center called Serenity Ranch and operates a sole proprietorship focused on financial wellness solutions. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, and corporate clients, offering both brokerage and advisory services through a multi-advisor platform. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization, supported by a range of discretionary and third-party manager strategies.

Peter Savarese is a financial advisor at Charles Schwab with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at TD Ameritrade Inc. from 2013 to 2024. Savarese is based in Escondido, CA. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment solutions, employing multi-asset model portfolios and centralized operational support.

Ron Roff is a financial advisor with Charles Schwab in San Diego, CA, holding a Series 66 designation and 17 years of industry experience. He has been with Charles Schwab since 2009 and also works with Charles Schwab Bank since 2011. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and provides custodial, brokerage, and cash-sweep services within an integrated operational structure.

Christopher Carpou is a Senior Financial Advisor with Merrill Lynch Wealth Management. He works with a team of investment professionals to deliver financial strategies and advice for high net worth clients, focusing on fixed income portfolio management. Mr. Carpou began his career in the investment business 41 years ago, specializing in public finance and fixed income markets. He established the first municipal trading desk in California for Morgan Stanley and later served as Managing Director and Senior Municipal Bond Trader for Bank of America, where he was responsible for underwriting, trading, marketing, and portfolio structuring of municipal securities. His experience includes working with institutional and high net-worth retail investors as well as issuers of municipal debt at various government levels. Mr. Carpou earned a Bachelor of Science degree in Economics from San Diego State University and holds Series 7, 52, 53, 63, and 65 FINRA registrations. In addition to his professional work, Christopher Carpou has served on the Board of Directors of Options House, a nonprofit shelter for runaway and abused teens, and as President of the Los Angeles Municipal Bond Club. He is actively involved as a volunteer with his local Little League. His personal interests include baseball, biking, football, gardening, golfing, hiking, reading, scuba diving, swimming, and spending time with his family.

Christopher Jette is a financial advisor at Wells Fargo Clearing with 29 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at UBS Financial Services for 13 years. Outside of his advisory role, he has a part ownership interest in a rental property in Escondido, California. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s IPS-driven approach incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Suzanne Latour is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. She worked at Merrill from 2009 to 2017 before joining Raymond James, where she has been since 2017. Outside of her advisory role, she is the CEO and sole owner of GolfTEC San Diego. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, and municipal entities with a range of financial planning and consulting services, offering both discretionary and non-discretionary solutions supported by extensive research and a broad network of affiliated managers.

Laudente Gallegos III is a CFP® certificant with six years of experience in financial advising, currently serving at Edward Jones since 2018. Prior to his role at Edward Jones, he worked at Morgan Run Country Club and also operated as a rideshare driver for Uber and Lyft. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary managed solutions, separately managed accounts, and affiliated mutual funds.

Vicente Hinojosa III is a financial advisor at OSAIC with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Sagepoint Financial, Edward Jones, and Comerica Securities. He is actively involved in his community, serving as president of the Vista Optimist Club and the Vista Education Foundation, and as a board member of the Vista Chamber of Commerce. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm employs model-based asset allocation and portfolio optimization techniques and is notable for its scale, complex affiliate network, and recent consolidation activities.

Richard Clawson is a financial advisor with Wells Fargo Advisors in San Diego, CA, holding Series 63 and Series 65 licenses and 24 years of industry experience. He has worked at Wells Fargo Advisors since 2023, following a seven-year period at Wells Fargo Clearing and prior experience at Prudential Equity Group. Outside of his advisory role, Mr. Clawson is involved in investment-related activities through ownership interests in Lone Pine Run Inc. and CCS Capital Management LLC. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning options, including specialized services such as business-owner transition planning and sports & entertainment planning, supported by proprietary research and planning tools.

Raymundo Catalan is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and nine years of industry experience. He has worked with J.P. Morgan-affiliated firms since 2019 and previously with Axa from 2016 to 2019. Catalan serves as a board member and Treasurer for the Escondido Chamber of Commerce, a local nonprofit organization. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory process combines quantitative screens and qualitative research to deliver written asset allocation advice, investment manager searches, and customized performance reporting.

Andrew Axelson is a CFP® professional with 17 years of industry experience, currently serving at Morgan Stanley in San Diego, CA. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, J.P. Morgan Chase Bank, and J.P. Morgan Securities. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, delivering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm emphasizes structured planning processes and offers diverse investment services including retail and institutional solutions.

John Faustino is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. His prior roles include positions at Waddell & Reed, Inc., Ernst & Young Investment Advisers LLP, VOYA Financial Advisors, Inc., and Cantella & Co., Inc. Faustino served as a board member of the Kiwanis Club of Poway from 2012 to 2018. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions through a broad network of investment adviser representatives.

Jessica Cuevas is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 66 designation and 11 years of industry experience. She has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, offering investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions, utilizing research and analytics based on diversification principles and modern portfolio theory.

Rene' Flores is a CFP® professional with 29 years of industry experience, currently serving at Edward Jones since 1998. He holds Series 63 and Series 65 licenses and is based in Escondido, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated investment products.

Curt Beyer is a financial advisor with LPL Financial in Escondido, CA, holding Series 63 and Series 66 designations and 26 years of industry experience. He has worked previously at City National Bank, RBC Capital Markets LLC, and Merrill. LPL Financial is a national broker-dealer and registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, with advice delivered primarily through a large network of investment adviser representatives.

Luis Garcia is a Financial Consultant at Fidelity Investments, a role he has held since 2022. His approach to client engagement emphasizes relationship building and understanding clients' personal goals and concerns to develop financial plans aimed at achieving financial security. Prior to his current position, he served as an Investment Consultant and Financial Representative at Fidelity Investments, and has held roles including Jr Financial Advisor at Financial Plan Design, Brokerage Associate at Wells Fargo Advisors, and Insurance Agent at State Farm. Luis holds a California Insurance License and has experience across various facets of financial advising and insurance services. Outside of his professional work, he has personal interests that include attending concerts, playing golf, military service, parenthood, and caring for pets.

Patrick Weishan is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. His career includes roles at Sagepoint Financial, Inc. and operating his own financial services firm since 1997. Outside of advisory work, he serves as Vice President of Operations for Pacific Custom Systems, Inc., where he oversees operations, budgeting, and contract negotiation. OSAIC Wealth serves a wide range of clients including individual investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services through multiple programs and a multi-advisor platform. The firm’s investment approach uses model-based asset allocation and portfolio optimization, supported by advanced tools and a variety of discretionary and non-discretionary strategies.

Greer Moseman is a financial advisor at Morgan Stanley with five years of industry experience. She holds a Series 66 license and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2021. Prior to that, she was involved with The Art Of Coaching and Coast Volleyball Club, and attended the University of North Carolina Chapel Hill. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses structured discovery processes and proprietary planning tools as part of its financial planning services.

Brian Chambers serves as Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2004. Prior to this role, he worked as a Financial Consultant at Wachovia Securities from 1998 to 2004. In his professional capacity, Brian focuses on guiding clients to build flexible financial plans designed to adapt to changing needs while aiming to grow and protect their wealth over time. He finds it rewarding to assist clients through important financial decisions and to help them navigate uncertain times. Brian holds a California Insurance License, supporting his expertise in financial consulting. Outside of his professional work, he engages in activities such as biking, motorcycles, outdoor adventures, sailing, snowboarding, and tennis.